Oven to 350.Coat an 8-inch loaf pan to prevent a sad ending to a promising start. In a medium bowl, combine your dry (I'm including the sugars) ingredients and mix it well. In a large bowl (and I do mean large, if you are even the slightest bit as messy as I am) peel and mash your bananas. Add the milk, eggs & vanilla and mix to combine. Add the stuff in the medium bowl to the large bowl. Mix it up, baby.

Now.... the good part. Add your chocolate chips. I'm not going to tell you how much to add. It all depends on if you want Chocolate Chip Banana Bread or Banana Chocolate Chip Bread! :-)

Fold Them in.

Bake until a toothpick comes out almost clean. About 1 hour. Let it cool on a wire rack for about 10 minutes before removing from the pan and letting it cool completely on the rack.